vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-03 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXXX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
I have contacted this company about the inaccuracies found on my Experian file on XXXX, XX/XX/2024. 

XXXX XXXX XXXX XXXX XXXX XXXX with account XXXX XXXXXXXX with a balance of {$5200.00}. 

The following account is reporting a balance of {$5200.00} which to my understanding that because this debt was charged off that it should be reporting a {$0.00} balance. This indicates inaccurate reporting. 15 USC states that I have the right to accuracy and fairness.

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 2024-02-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Deal Depot, Inc.
State: SC

Complaint narrative:
I had got behind on my bi weekly car payments of {$230.00} on my XXXX XXXX. I was only about 2 weeks behind on my payment and repossession was threatened when I only owed about {$500.00} to catch up to my normal payments. They refused to work with me and came and repossessed my car the same day. Imagine keeping up with {$230.00} of biweekly payments as a XXXX XXXX who still has other fees including a XXXX  monthly insurance. It seemed easy at first and I was really desperate for a car at the time. Fast forward XXXX of XXXX, my credit has a XXXX loan stuck on it. I no longer own the car or plan on getting it back. Im only XXXX years old and now live on my own with more bills and expenses, while still attending XXXX  to be a XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2024-02-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
See attached documents below. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
See attached documents below. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I first became aware of Citizen Bank around XXXX or XX/XX/2022, likely when I returned home briefly from college. Upon leaving home, I proactively contacted the bank while en route to my college campus, diligently explaining that the charges in question were not authorized by me. I underwent a comprehensive information-sharing process during that initial call. Following that interaction, there was a prolonged period of silence from the bank until around XXXX, when my grandmother informed me about a paper sent to our house regarding the same charges. Subsequently, I wrote a detailed letter to the company, reiterating the circumstances surrounding the unauthorized charges. 

Throughout the past year, I encountered several calls from debt collection agencies inquiring about the same charges. In each instance, I consistently provided them with the same explanation. Additionally, I received another letter later in the year, prompting me to respond in writing in XXXX. Despite these efforts, there was no substantial progress until a few weeks ago when a representative finally contacted me about the debt and sent a letter by mail to facilitate resolution. It is this recent development that has prompted me to file a formal report. Please consider the timeline, actions taken, and persistent efforts made on my part to rectify this situation when communicating with the involved companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: DISCOVER BANK
State: TX

Complaint narrative:
per the FCRA as a federally protected consumer I am now opting out any & all authorization i the consumer may have given written, unwritten, verbal & non verbal with regards to selling, trading & reporting my personal information per 15 USC 6802 Obligations with respect to disclosures of personal information, As well as XXXX Form of opt out notice to consumers ; opt out methods, with said company " DISCOVER '' I the consumer have given notice for Discover to discontinue reporting & selling of my information to third partiesl ; WHICH IS A VIOLATION OF YOUR PRIVACY RIGHTS UNDER THE PRIVACY ACT OF XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX someone went to my account and completed the wire for {$1700.00} and {$1800.00}. I wasnt aware of that. On XX/XX/XXXX at XXXX, I received a phone from the CITI bank representative stated if i went to XXXX XXXX XXXX XXXX XXXX Florida and i said no. The charge was made from my Debit Card for {$50.00}. On the same day at XXXX XXXX i received a phone call from the fraud department and i complained that checked my checking account and the money were gone. The bank email me about the wires about was to late the money were gone. No one called me and notified me. The account was closed and i open a new account on XXXX XXXX. On XX/XX/XXXX, someone went again to my new account and completed then wire for {$1800.00} and {$1800.00}. I was driving to New Hampshire that day and i wasnt able to check my checking account. I didnt use my new debit card due to being afraid that someone will hack again my account. On XX/XX/XXXX at around XXXX, i took {$100.00} from CITI bank ATM machine and saw that my money were low. I called CITI bank immediately and closed my account. I checked my email and bank sent that successfully the wire was completed to the person that i dont know I reopen a new account on XXXX XXXX. On XX/XX/XXXX, i completed the Affidavit Unwanted Wires and notarized the forms. The bank responded on XXXX XXXX that they denied. The bank doesnt provide any information where my money went. I never completed these wires because do not know these people. CITI bank is refusing to give my money back.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
Several fraudulent atm transactions were made with out my card and without my consent totalling XXXX and additional charges in the form of fees that american express serve is holding me accountable for. The transactions were made on XX/XX/2024 at an atm located at XXXX XXXX XXXX the city and state is not named in the information available to me. The person made several withdrawals over a short period. As soon as I noticed the transactions by recieving a text message from amex saying that I had a decline fee I called amex to report the fraud and had my card deactivated and requested a new card be sent out to me. I then filled out the dispute forms amex told me I had to fill out innorder to dispute these fraudulent charges. I was now told today that they are declining my dispute and saying that I authorized these charges which I did not authorize. I then called and requested the reason and documentation as to how they reached their conclusion and was told they would send an email to someone else in a different department to reopen the dispute but was told they could not tell me if the dispute was or was not being reopened. I requested phone numbers to contact the people in charge if the dispute and was told they could not give out any numbers except the same account security number I was already on the phone with. The attached document includes the card number of the card that was deactivated. I have provided the current new card number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
Once more, I find myself a victim of fraudulent activities, necessitating this renewed request for the removal of an inquiry from my credit file linked to an alleged identity theft. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), your obligation is to expunge any such items no later than 4 business days after XX/XX/XXXX. This concern has been previously raised in my prior complaint, and I am reiterating it, appending my new FTC report # XXXX for your reference. Additionally, the information provided regarding this inquiry was previously unknown to me and has already been expunged from other bureaus. I hold reservations regarding its accuracy, specifically referencing the entry from XXXX on XX/XX/XXXX. Consider this complaint as a formal notification ; failure to remove the listed inquiry on my report will result in legal action. I have apprised my attorney of my intentions, and they are prepared to hold you accountable for willful noncompliance. This serves as your final warning. Kindly proceed with the removal of the inquiry resulting from alleged identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Credit report states I owe money for account that were paid and closed.

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 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I made three purchases at XXXX, each totaling {$500.00}, amounting to a total of {$1500.00}. Chase Bank 's reward program for the fourth quarter of XXXX includes a 5 % reward points bonus for shopping at wholesale companies like XXXX. The terms specify that any expenditure made by XX/XX/XXXX qualifies for this bonus. My purchase, shipping, and delivery dates were all on XX/XX/XXXX. I should have been eligible for the 5 % reward points bonus for the fourth quarter of XXXX. However, Chase Bank only posted these transactions on XX/XX/XXXX. As a result, I received only 1 % in points and missed out on the XXXX points I should have earned. 

According to the terms and conditions of the bank 's rewards program, purchases made by XX/XX/XXXX are eligible for the 5 % bonus, with no specification regarding the posting date. I discovered this issue on XX/XX/XXXX, and contacted Chase customer service. They requested that I inquire about the reason for the delay at XXXX. I called XXXX, and based on XXXX 's confirmation, all procedures were completed and submitted to the bank before XX/XX/XXXX. There is no record indicating any delay until XX/XX/XXXX. Subsequently, I contacted Chase Bank again. The bank customer service staff asked me to wait for the paper document explanation after 14 working days on the grounds that it was being processed. 

On XX/XX/XXXX, I received a written explanation stating that my purchases were considered to be on XX/XX/XXXX, not meeting their requirements, but without providing any reason for the discrepancy. 

As a user, since I can only control the purchase date but not the bank 's posting date, I believe this is not my fault. According to the terms, the bank should adhere to its regulations and provide the corresponding points. After contacting Chase customer service on XX/XX/XXXX, they requested that I upload my purchase receipts on their website to resolve the issue, but the matter remains unresolved. As of XX/XX/XXXX, I have not received any clear explanation from customer service. I believe they have violated their own terms displayed online. As a customer, I made the credit card transaction on XX/XX/XXXX, and Chase 's customer service has not provided me with a reasonable explanation, but stating that they are unable to handle the issue. Despite multiple phone calls and system message submissions, there has been no resolution. I hope to receive assistance here to communicate with Chase and obtain the 5 % cashback that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: NY

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law for this matter to be resolved promptly. 

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

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
What I disputed isnt anything to which this dispute response is tied to. 

Not only that the stuff you claim in the dispute response doesnt even exist anywhere on my report you just provided after stating it was updated XXXX belongs to new

Company response to consumer: Closed with explanation