vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-27 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:
I did not open these acoount

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-10-27 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX i was scammed from an online loan service called XXXX XXXXXXXX there location is in XXXX and XXXX but they said they did loans all over America long story short truist bank was supposed to investigate this fraud they had me create a new account and took my entire paycheck to cover the negative balance which was suppose to be under investigation they didnt give me any notices nor emails like I asked the company to

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 2023-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trott Law, P.C.
State: MN

Complaint narrative:
Search Results XX/XX/XXXX Here you go Guaranteed XXXX XXXX Closing Date - Through Certificates XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX. 

Here 's the Proof. House Joint Resolution 192 - 100 % Proves ALL DEBT ARE PAID that pertain to the LEGAL FICTION/CORPORATION/DEAD ENTITY . 

I canceled all powers of Attorney back in XXXX, it's all in Public Record unrebutted ... Trott Law, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX and Employees stole my identity. 

These Corporations and people involved with the highly illegal/unlawful Auction attempt XX/XX/XXXX owe us XXXX in Compensation. 

We will be making no more payments as The Mortgage is FRAUD via Grammatical Deception + Null and Void via Bifurcation. No one has the Note except for the TRUST, I have the CUSIP proving Chain of Title is Factually broken. The Note is now a Security. XXXX XXXX has/is committing Security Fraud by Double Dipping. Yall got caught. 

The CFO/CEO has permission to XXXX the Account via my DECEDENT ESTATE. The Bill shows a Positive Number in the XXXX XXXX XXXX, I ACCEPT that amount, XXXX the Account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The IRS issued a check in my name for my tax refund ( almost {$3000.00} ) dated XX/XX/2023. I never received the check in the mail, so I followed up with the IRS. The Bureau of the Fiscal Service ( BFS ) got involved and determined that the check had, in fact, been cashed. On XX/XX/XXXX, the BFS provided me with a copy of said check, which showed that someone had forged my signature to endorse the check and cashed it at a JP Morgan Chase Bank location on XX/XX/2023. There is another signature underneath " mine '', which I suspect belongs to the person who forged it. I've never had an account with Chase, nor do I know someone with that name. 

In order to file a comprehensive Claim Form ( FS 1133 ) with the BFS including as much information as possible, I immediately got in touch with Chase to figure out at which branch the check had been cashed and how a stranger could have been able to cash it. While the Chase representatives told me the branch location where the check was cashed ( XXXX XXXX XXXX, XXXX, NJ XXXX ), they did not provide me with any information on how the check could have been cashed. They instead told me to get in touch with my bank ( which has nothing to do with this matter ). I did call my bank anyway and talked to a fraud specialist. He suspects that Chase never asked for a proper form of identification to begin with. 

I would like to know : Did the person who cashed my check ( and probably deposited the funds into their personal Chase bank account ) show any form of ID? If so, might I have to take steps to protect myself from identity theft/further damages? And if not, why was that person not asked for ID?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: NY

Complaint narrative:
I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Request capital one credit card to be closed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/23 I had to wait 1 hour and 20 minutes on hold with MOHELA just to speak to a representative about my student loans. Those of us with federal loans do not get to choose our loan provider and my loans were transferred to one with such poor customer service. I ended up having to spend a large portion of my day just to get ahold of someone to fix a problem with my loans. I do not find this appropriate that MOHELA, who knew well in advance of the student loan repayment, didn't properly staff for these calls, despite the federal government paying them close to {$400.00} XXXX to service the loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Dear CFPB, I am writing to express my dissatisfaction with the way Wells Fargo has handled my disputes. They have intentionally made the process difficult and delayed resolution, ultimately resulting in transactions remaining unresolved for over 120 days, some of which have not even been submitted as disputes. 

I am providing the following claim IDs for your reference : XXXX XXXX XXXX I urge the authorities to oversee this matter and hold this bank, which is clearly neglecting consumer rights, accountable for its actions. 

Sincerely, 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 2023-10-27 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: IL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: IL

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: FL

Complaint narrative:
Equifax Has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile!! 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) the banking system is dependent upon fair and accurate credit!! Even the Debt collector is reporting inaccurate information on my profile!! Equifax never informed me what's going on in writing to get the issues resolved, per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me a lot of problems, I can't get good rates on insurance or credit or a loan!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A account with XXXX was opening without my consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello it is now, XX/XX/XXXX and I still havent recovered my funds that were stolen and used as fraud back in XXXX of XXXX. I have not received any compensating check. This is absolutely ridiculous. Somebody has ahold of my identification and I and being held accountable for it. 

Ive given police reports, identity theft report. Letters, statements, supporting documents to help my case and prove I am innocent and nothing has been resolved I have been homeless because of all of this mess and its only getting worse. 

PLEASE HELP. 

I am getting ready to get an attorney, I can not wait anymore. I am XXXX on the street and Im only XXXX. 
I have medical problems to tend to and I can not because Bank of America is taking this like a joke. This is my life Please help

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 2023-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/2023, I received a wire in the amount of {$14000.00} in my Bank of America ( BOA ) business account from a transaction with a third party. About a week later I saw that my entire account was frozen without anyone from BOA informing me. So I called BOA and I was informed that the account was frozen because they have received a claim from XXXX XXXX that the {$14000.00} received was not from an authorized source. 

I was informed the investigation will take up to 90 business days and once the investigation is over, the funds will be unfroze or returned to XXXX XXXX. 

I didnt hear anything from BOA after 90 business days so I called them and they told me the investigation is not over. At this point, I realize this was a sham investigation with no concern for me as the customer. 

Finally, around XX/XX/XXXX I saw that the {$14000.00} was unfrozen in my business account so I contact the party that sent the wire. I received wire instructions and sent the funds out thinking the everything was over. 

Today, XX/XX/2023, I opened my personal account, different from my business account where the {$14000.00} was held, and saw a debit of {$14000.00} from my personal account. I contacted BOA again and asked why {$14000.00} was debited from my personal. To my surprise, BOA informed me that they have deducted the {$14000.00} in my personal account because of the wire transfer on XX/XX/2023 in my business account. I questioned why they unfroze the funds in the business account and they couldnt provide me with an answer. The wire fraud department person I spoke to keep telling me she doesnt have answers and that the back office people were the ones that deducted the money from my personal account. 

I am reaching out to your organization because of the unfair treatment of BOA to me as a client and also deducting {$14000.00} from my personal account after an investigation into wire was completed and funds unfrozen. 

Please I want BOA to unfreeze the {$14000.00} in my account and write an apology letter for this unfair treatment to resolve this issue amicably. 

Thanks

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 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I noticed that a collection from XXXX XXXX XXXX XXXXXXXX is on my credit for XXXX XXXX of which i have an account with and can log in and make payments of which i made one earlier. This account was never sent to collections and i would like it removed off of my XXXX and Transunion. I have no knowledge of this collection agency nor have i conducted any business with either.

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 2023-10-27 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: CA

Complaint narrative:
With accordance of the fair credit act this creditor has violated my rights under 15USC 1681 section 602 states I have the right to privacy. 15USC 1681 section 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instructions, under 15USC 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit path as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27 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: OH

Complaint narrative:
I got a copy of my credit profile there were items on it, that I didn't recognized including addresses, phone number, incorrect birthdays etc... Which I was able to get deleted. I did a FTC report and sent it to the creditor 's, and to Equifax Credit Bureau. Equifax did remove the items, and then 4 days later it was back on my credit profile. I called Equifax and then I was told that it was put back on my credit profile because the creditor verified it was mine. I told Equifax once again I'm a victim of identity theft. I told them again I never had these account. I was told I needed to dispute these items to have them removed. I sent in a debt validation letter to Equifax disputing these items. I waited 45 days, and it came back verified. I sent out a second response validation letter. It came back verified, and then I asked Equifax how is the creditor verifying debt that is not mine? Equifax stated the creditor is saying that it was mine. This went on for an entire year with the creditor sending me correspondence 's stating here is the information that I requested which ended up being a monthly statement nothing more. for an entire year without anything other then a bill for every item. I send in information stating this is not validating the debt. For them to please send me the original contract with my signature on it. I have never received this to date XX/XX/2023 XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have had this card for a awhile the XXXX card with XXXX XXXX since XX/XX/XXXX. I was on a payment/re-age plan with the bank on XX/XX/XXXX yet they kept reporting me as past due and have reported my past due 90 days twice. This is not accurate. I was reported 90 days past due twice on top of the other past dues. When I called, the rep told me that they do not have access to the reporting information, it is out of their scope. 
XXXX XXXX XXXX Last reported XX/XX/XXXX Open balance {$500.00} Credit limit Credit limit {$500.00} Confirm card for your account Tell us which card this is so we can show you additional card details. 
Please confirm : do you carry a balance on this card every month? 
We'll tailor the advice below based on your answer. 

Yes, I carry a balance No, I pay it off OVERVIEW Credit limit {$500.00} Minimum monthly payment {$35.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY You've made 69 % of payments on time XXXX Last payment XX/XX/XXXX Payment status Current Amount past due {$0.00} Worst payment status XXXX days late ACCOUNT DETAILS Account status Open Type Credit card Responsibility Individual Remarks -- Times XX/XX/XXXX days late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX ( XXXX ) XXXX See a mistake? 
She repeated on time payments back to me. I spoke with XXXX. I was told that the program would bring me current status. My fees are very high. XXXX month fee. XXXX annual fee. Interest charge 33.65 % percent interest. I want this taken off my account and investigated.

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 2023-10-27 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
An account was open with XXXX without my consent and knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation