vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-02 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: MD

Complaint narrative:
On XX/XX/2024 I got a text message stating that a transaction was possibly fraud. I replied back no to the text message. The text message stated that they will reach out to me via phone number to further discuss the transaction someone reached out to me disguising as a myWisely customer service agent they hacked my account Into my savings and they took {$2300.00}. I believe that its someone in the company because they had a lot of personal information after doing my research. This is something that is happening repeatedly with people who bank with my XXXX through ADP when I wrote them to try to get it reopened, they resolved the dispute in XXXX days with no proof, I truly believe that the company is corrupted and there should be a class law action suit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank and Best Buy credit services failed to meet minimum requirements by law to report account to credit bureaus. They report the account as delinquent damaging customers credit to try to force payments on credit cards for broken product sold and delivered by Best Buy. Citi bank is also the collection agency. They make it impossible to dispute and use incorrect paperwork as reasoning. Citi bank lied and said the dispute was closed in XX/XX/2023 when online account stated reinvestigation was in process.The dispute resolution was only to contact vendor and I have on multiple occasions to be told over the phone that it would be resolved correctly and refunded.

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 2024-03-02 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-03-02 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CO

Complaint narrative:
Direct Express Debit Mastercard Comerica is where my XXXX XXXX XXXXXXXX monthly checks are deposited into. Card was closed by DE because of fraudulent activity. After it declined I called the customer service number and was told the charges had been made from XXXX XXXX, XXXX to the day I called and received the claim number XX/XX/XXXX. She told me to call back the next day and request the form that I needed to complete, and any evidence I have within 10 days from the XXXX. I did so. The form did not get to me in the mail until XX/XX/XXXX, leaving me with very little time to filI out the form and any evidence. I faxed and emailed it that evening. I received an email on XX/XX/XXXX, that I wasn't sure if it was a scam, claiming to be from them, so I called, I was given conflicting answers. I was sent to different people several times, and finally reached what I was told the " Supervisor Dept. ". I explained it to him, and he told me that my dispute was closed with no explanation for the reason, and he had no further info. It was the next day after I faxed and emailed everything in the evening the night before. It was already closed without any kind of an investigation or explanation why. I did everything by their rules and timelines. I live in XXXX, and the charges were all in XXXX. Most of the charges were made on the same day as some of my charges. I could not have been in two places at once. I filed police reports in every city the charges were made in XXXX  over the phone. I jumped through every hoop they made me do. The total transactions were XXXX, with a total of {$2100.00}. I am on XXXX and it is my only income, and I only make {$1300.00} a month as it is. So, I am now left with nothing to do about it. They are so rude, and hang up on you. I have been victimized twice. I've been a mess since it happened. 
XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
Equifax is been reporting XXXX XXXX XXXX account since XXXX. This account was proved of being a fraudulent account and was removed from my credit. Now in XXXX appear again in my XXXX credit file. I request this account to be removed from my XXXX file.

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

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-03-02 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Upon reviewing my latest credit report, I noticed that the specific credit inquiries your agency has recorded, which I have previously identified and reported as unauthorized, still demand immediate attention. I have already reached out to the below-mentioned entities, requesting the removal of these inquiries from their records and verification of their deletion from all credit reporting agencies. Although they have promised to address these issues, I am contacting you once more to ensure these inquiries are promptly resolved. Included with this communication is my updated FTC report, with reference # XXXX. 
EXPERIAN : XXXX XXXX XX/XX/XXXX -- -- -- -- -XXXX :  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I kindly request the immediate removal of these inquiries to avoid any negative impact on my upcoming mortgage application. It is crucial for my credit score to accurately reflect my financial responsibility. I would appreciate a detailed report on the actions taken to remove these inquiries within the next 30 days. Your swift resolution of this issue will be greatly appreciated. Thank you for your immediate attention to this matter.

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 2024-03-02 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:
I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I recently received my credit report and found some accounts with incorrect, inaccurate & unverifiable information on my credit report. This has caused many hardships for me and my family. I sent certified mail to each account listed and none responded to me. I asked this company to investigate and it appears that NO proper investigation has been done. They DID NOT provide me with any documentation to verify the information of these incorrect, inaccurate & unverifiable accounts. They are clearly violating my rights.

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 2024-03-02 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: TX

Complaint narrative:
I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called XXXX & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX XXXX XXXX both are for the same amount of {$870.00}. 

XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX  but XXXX different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.

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 2024-03-02 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:
I have disputed online several times regarding multiple credit cards & collection agencies on my credit report for the same lines of credit. I called XXXX & spoke with XXXX to escalate the disputes but she refused. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXXXXXX XXXX  XXXX both are for the same amount of {$870.00}. 

XXXX collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX have the same original creditor XXXXXXXX XXXX  but two different amounts for the same closed line of credit on my report. XXXX has {$600.00} & XXXX has {$850.00}. 

XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX are both on my credit report for the same closed line of credit/credit card. XXXX has the original creditor as XXXX for the amount of {$1100.00} but the original creditor XXXX XXXX has the amount of {$1000.00}.

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

Complaint narrative:
I am writing to express my deep dissatisfaction with the repeated and ineffective attempts to remove fraudulent items from your platform. Despite my persistent efforts to report these fraudulent listings, I have encountered significant delays and obstacles in their removal, which is highly concerning. 

However, I am disappointed to note that despite my diligence in reporting these fraudulent items, they continue to persist on your platform for an unacceptable period. This not only reflects poorly on the integrity of your service but also exposes your users to potential financial loss and other risks associated with fraudulent activities. 

Furthermore, the lack of transparency and communication regarding the status of my reports has only exacerbated my frustration. I have received minimal updates on the progress of my complaints, leaving me in the dark about the actions being taken to address these issues. 

As a loyal user of your platform, I expect better accountability and responsiveness from your company when it comes to combating fraudulent activities. It is imperative that you take immediate and decisive action to improve the effectiveness of your fraud detection and removal processes. 

I urge you to allocate additional resources to expedite the removal of fraudulent items from your platform and enhance communication with users regarding the status of their reports. Implementing stricter verification measures for sellers and investing in advanced fraud detection technologies are also crucial steps to prevent the recurrence of such incidents in the future. 

Failure to address these concerns promptly will not only undermine the trust of your user base but also expose your company to potential legal and reputational consequences. I implore you to take this matter seriously and prioritize the protection of your users from fraudulent activities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was in XXXX XXXX, in XXXX, near XXXX. I went to use an XXXX ( local bank ) ATM. When I went to use the machine, it would only speak XXXX. A customer prompted me to put my code in and upon doing so, the machine swallowed my card. Within six minutes, three different unauthorized transactions at different ATMs, one in a different town, were made. I cancelled the card but was forced to return to the US to get a new card. I lost the card, got no money, and have been insulted and rebuffed by Wells Fargo. I applied for loss protection and was essentially called a liar ; a second person did so, and a third, today, called and told me she had spent " two days '' investigating the claim. However, I offered the police report and the name of the person from XXXX who would have confirmed that such things do in fact take place ; Wells Fargo was not interested. Two weeks ago is when the fraudulent transactions took place. Basically Wells Fargo called me a liar, will not replace the money, and that is the story. I will take this as far as I have 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 2024-03-02 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for late closed, charge off and collection. I have tried numerous times to have this situation resolved with no resolutions. Inaccurate Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax is refusing to remove non verified information from my credit report that they are inaccurately reporting I have asked them to verify the information that they are reporting by sending me a purchase agreement, the original contract with proof of me owing the debt that is allegedly owed but they just keep saying information was verified without actually verifying the information Ive requested this information in writing certified!! And they are now following the fair credit guidelines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
FAKE FRAUD ALERT FROM CHASE EMPLOYEE I received a phone call from an unknown number with a caller ID of JP Morgan Chase-XXXX. ( I have later verified that the number is associated with a Chase bank in XXXX, XXXX ) My bank usually doesn't call me, unless there is a fraud alert on my credit card. I answered the phone and a man named XXXX from the XXXX, XXXX, branch of Chase bank told me that large amounts of money were being transferred out of my checking account, these transfers had been flagged in their system, and he asked if I was aware of these transfers. I believed my account had been compromised, and XXXX was alerting me to the fraud. I pulled up the Chase app on my phone to check the transfers from my checking account, nothing seemed unusual, and I asked XXXX if he could clarify what transfers he was referring to, still unsure if the call was legit. 

XXXX was referring to the lump sum I transfer to our family 's joint checking account with XXXX XXXX to cover our mortgage and car payments. This lump sum is, and has been, transferred regularly, in the same amount, for years. It has never prompted a fraud alert or any issues before. 

When I pointed this out to XXXX, he then switched gears and asked if I was aware that Chase had opened a branch in XXXX and I could do my banking with them, rather than XXXX  XXXX. XXXX faked a fraud alert to solicit business. I called him out, and he admitted that there was no fraud, but he then said, " Well, these payments have been flagged. '' Yes, flagged that I wasn't doing business with Chase. This is totally messed up. 

This may be an isolated incident, but the way XXXX reacted, falling back on the fact that the mortgage payments had been " flagged, '' indicated to me that this was a scripted pitch. He may have been trained to do this, and Chase may be doing this to other people. It is unethical and just immoral to fake a fraud alert to solicit business. Banking depends on trust. I didn't expect my bank to mislead me as part of a sales pitch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 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: Merchants Acceptance Corp
State: LA

Complaint narrative:
Merchant Acceptance Cor reported a charge off/ collection on my consumer report without my written consent nor did they provide full disclosure prior to reporting the charge off/ collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA

Complaint narrative:
I recently applied for a platinum credit card from XXXX on there online system and was denied for the card and I'm not really finding that reasonable which a security was given for collateral and consideration and no consideration was given back by the company a legal binding instrument only takes an offer acceptance and consideration which was given. According to XXXX XXXX XXXX XXXXXXXX XXXX  as issuer and The Bank of New York Mellon as XXXX XXXX XXXX XXXX XXXX dated XX/XX/2018 in the granting clause it states the issuer grants The Bank of New York Mellon and note holder for the benefit and security in it's individual capacity a first priority security interests in all rights, title and Interest whether now owned or hereafter acquired in and to the following ( i ) thru ( xiv ). It also states the security interests in the collateral is granted to secure the notes. And the agreement of parties also states for the establishment of the terms and conditions upon which the notes are to be authenticated issued and delivered and in consideration for the premises and the purchase of the notes by the holders thereof it is mutually covenanted and agreed as follows for the equal and proportionate benefit of all the holders of the notes or series or tranche. Any other issues on the collateral pursue the same Indenture dated XX/XX/2018 article XXXX collateral. Also in the same Indenture section XXXX limited recourse it states any holder of notes will have the right which is absolute and unconditional to receive payment of the principal of and interest of such note on the legal maturity date. Now I was denied because of a XXXX score XXXX got from a third party which was XXXX evidenced by an inquiry on my credit report which I have confusion with cause in XXXX prospectus XXXX it says they do get their XXXX score from a third party but it also says that can't verify the accuracy of the XXXX score from the third party so I'm not understanding how can I be denied if value was given a security interest in the collateral and the security is turned into Receivables that the company sells and make money off. I have read the indenture between the bank of New York Mellon and XXXX trust agreement, transfer agreement, servicing XXXX and pooling and service agreement which I understand fully.

Company response to consumer: Closed with explanation