vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This company is reporting on my credit report as a hard inquiry which is giving me a hardship which is stopping me and slowing me up from reaching certain goal. I've spoken with them to try to fix this problem and haven't gotten any solution. this company has stolen my identity. I know under 15 U.S. Code 1681 c-2 Block of information resulting from identity theft its against the law to use someone identity without there permission. I was mislead by a third party company they work with which I was told they don't do hard pull on our credit but it did so under 1006.18 false, deceptive, or misleading representations or means. these two laws was used against me and many others

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had an account opened with wellsfago. My account isnt able to be be ever overdrawn n on several occasions it was up to {$300.00} at a time. I would put the money into the account to fix it n after about the 5 time of this happening I called n complained n filed a dispute. When I did so I was informed that they were closing my account. N it was to be frozen from any more auto payments deposites n withdrawal being done. Since then the account is still open. N my XXXX account has had to auto payments taken for the month of XXXX XXXX XXXX XXXX has told me that the payment has been returned n I had to make payments other ways. So when I find out how that is possible the rep was very rude n refused to provide me with any info bout how this happen.

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 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a text asking if I spent money at Best Buy. it was made to look like a text from Citi Bank. When I answered no, a lady called me from a number that displayed Citi Bank on the caller ID. The number was XXXX it was received at XXXX XXXX on XX/XX/XXXX. They told me they needed to ask me some security questions to make sure it was me. Then they said they were going to send me a one-time passcode to verify it was me. I read back that passcode, not knowing it was actually the passcode to change my password on my online banking. I got another call from XXXX, which I think was someone working with the other person who called me be they asked the same things. I said I just talked to you guys, and he hung up on me. That call was at XXXX. I then checked my account and realized they got access to my online banking. they changed my password, then set up wire transfer ability on my account then added a recipient to my account to send it to They did a wire transfer for XXXX and left me XXXX XXXX in my account. I then went straight down to the Citi Bank at XXXX XXXX XXXX XXXXXXXX in XXXX XXXX. this was on the XXXX. citibank isnt being upfront with me either. when i first reported it ( less than an hour after it happened ) they told me to get a police report with XXXX XXXX XXXX XXXX XXXXXXXX XXXX which i did. after that i went into the branch everyday almost to see if the money came back yet. now on XX/XX/XXXX. 14 days after i first told them they tell me i need to get a notarized affidavit saying i didnt authorize the transaction. This was every dime i had, right before XXXX. the fraud department seems like they are delaying investigation on purpose. idk why and it really made life hard on me. my XXXX XXXX XXXX son isnt going to have a XXXX now becuase citibank dont care. 
they say they are waiting to hear from the other bank but its been almost a month. with nothing new

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 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
XX/XX/2023 : I downloaded the XXXX app on my XXXX  phone to initiate the process of applying for an account. XXXX is a division of First National Bank of Omaha ( FNBO ) which operates as an app-only banking platform. 
At XXXX I completed the mobile application for an account through the XXXX  app, filling out my information including name, SSN, DOB , email address, telephone number, and home address. Upon entering the data, the XXXX app presented me with a determination that my application was denied, without any specified reason. 
At XXXX I contacted the consumer support chat feature within the XXXX XXXX, and was given an automatic response stating " We're unable to approve requests for accounts when they do not meet our bank 's requirements. These requirements include but are not limited to identity validation. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs '' After receiving this response, I prompted the chat to connect me to a real person, who then asked for my email address to transition the conversation to email. 

At XXXX I responded to an email from XXXX which repeated the above message asking if there was an appeal process. I was informed by an agent name XXXX " Unfortunately this decision is final. " I then inquired how the information was verified or what the application criteria was, and received a response stating " At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. We do not check your credit. ''

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 2023-12-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kinum, Inc., Indianapolis, IN Branch
State: MD

Complaint narrative:
Re : Formal Complaint Against Kinum Inc. 

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Kinum Inc., a debt collector, for their egregious actions in attempting to collect an invalid debt and subsequently reporting it on my credit report. The impact of this false information on my creditworthiness and overall quality of life is severe, and I seek intervention from the Consumer Financial Protection Bureau to rectify this matter. 

Upon receiving a verification of debt from Kinum Inc., I discovered that the accompanying document, an invoice from XXXX, is inaccurately presented as evidence of a debt owed by me. Contrary to their claim, this invoice solely represents funds that XXXX owed me for gift cards I sold through their platforma fact not reflected in their misguided attempts to collect. 

This unjust and unfounded collection account has significantly affected my financial standing and daily life. I am distressed by the toll it has taken on my ability to secure loans, housing, and employment opportunities. It is imperative that this issue is addressed promptly and with the seriousness it deserves. 

I have enclosed copies of relevant documents, including the XXXX invoice and any supporting evidence, to substantiate my claim. I kindly request a thorough investigation into Kinum Inc. 's actions and the subsequent removal of the collection account from my credit report. 

Furthermore, I am compelled to bring to your attention that I am seriously contemplating pursuing severe legal action against Kinum Inc. for their blatant disregard for fair debt collection practices, causing significant harm to my financial well-being. In addition to the removal of the collection account, I demand financial compensation for the damages and distress caused. 

I trust the Consumer Financial Protection Bureau will handle this matter with the urgency and gravity it deserves. Please keep me informed of the progress and resolution of this complaint. 

Thank you for your attention and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I received a notification on my XXXX account that a collection agency reported a negative on my account back in 2022. I dont owe this company any debt. The amount is XXXX Id like this company to remove the negative from my credit report. Ive tried communication with them they were rude an disrespectful towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureau to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-21 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: NY

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation XXXX Debt. Experian and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of XXXX XXXX ss XXXX Returns Relating to XXXX Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$24000.00} XX/XX/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 2023-12-21 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: TX

Complaint narrative:
This letter is my final communication to Equifax regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. 

1. Account XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX have removed this account ) 2. Account : XXXX XXXX XXXX ( XXXX has removed this account ) 3. Account : XXXX XXXX XXXX ( XXXX has removed this account ) I have repeatedly asked for evidence to support your reporting, but you have failed to provide me a copy of valid and viable evidence provided by the above-named furnisher ( s ).

Furthermore, I have requested your method of verification and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

In the absence of any such documentation, I demand that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Should you continue in your non-compliance, the law is very clear as to the civil liability and the remedy available to me for negligent non-compliance. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Please see the attached dispute letter that is dated, and time stamped for your reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: NC

Complaint narrative:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-12-21 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: IL

Complaint narrative:
I didn't open any of these accounts XXXX XXXX XXXX XXXX for XXXX dollars someone other than me has did it and others like theses XXXX XXXX  for XXXX dollars not me and most definitely XXXXXXXX XXXX XXXX XXXX  for XXXX dollars I don't remember opening up any of these accounts so I want them removed because these accounts are fraudulent look into them carefully I think my identity was hacked

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 2023-12-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I didn't open any of these accounts XXXX XXXX XXXX XXXX for XXXX dollars someone other than me has did it and others like theses XXXXXXXX XXXX for XXXX dollars not me and most definitely XXXXXXXX XXXX XXXX XXXX  for XXXX dollars I don't remember opening up any of these accounts so I want them removed because these accounts are fraudulent look into them carefully I think my identity was hacked

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 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: IL

Complaint narrative:
My wallet was stolen on XXXX XXXX. It had all my credit cards and my DL/State ID. 
A few days later, I received a hard credit inquiry from XXXX XXXX and my credit score went down by XXXX pts. on all the credit reporting companies like XXXX, Equifax, and XXXX. 

XXXX XXXX contacted me saying there was an application for an account being opened in your name which I did not open. They reported it as a fraud. 

I contacted XXXX and they removed the hard Inquiry from their system on my credit report. 

I contacted Equifax and they asked for a report from reportsfraud.FTC.gov. for disputing the hard inquiry on my credit report.

Company response to consumer: Closed with explanation