vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent an international wire to XXXX XXXXXXXX XXXX in XXXX XXXX for {$75000.00}. On XX/XX/XXXX, Chase ended the relationship. Meanwhile, the recipient of the wire claims he never received it. On XX/XX/XXXX, Chase claimed that XXXX XXXX refuses to distribute the funds to the recipient for policy procedures and sent the funds back to Chase. On XX/XX/XXXX and XX/XX/XXXX, Chase claimed that they were going to send a check for the {$75000.00} to me. On XX/XX/XXXX, Chase claimed that actually they never had the money that it was still at XXXX XXXX. My recipient claims that he still doesn't have the funds. On XX/XX/XXXX, Chase finalized their decision. Neither myself or the recipient have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: VA

Complaint narrative:
XX/XX/2024 Had a fraudulent withdrawal pending on my checking account contacted U.S. Bank to dispute. 
XX/XX/2024 contacted U.S.Bank and was told I would be receiving correspondence in the mail for the dispute. 
XX/XX/2024 received the correspondence from U.S.Bank regarding filing the dispute claim. Deadline for dispute was XX/XX/2024. 
XX/XX/2024 Faxed the dispute documents and statements showing this was a fraudulent transaction. 
XX/XX/2024 Called U.S.Bank to confirm they had received dispute claim, they confirmed that they had received the dispute claim. 
XX/XX/2024 received notification that U.S.Bank was closing my checking account. 
Checked back several times on status of dispute being assured it was still under investigation and that no funds would be released until investigation was completed. 
Was told by U.S.Bank to wait for a few more days for the investigation to be completed. At that time it had been over XXXX days since I initially requested to dispute the fraudulent activity. 
No temporary funds were ever put into my account, no investigation was completed XXXX correspondence/documentation about the investigation or results ever received. 
XXXX XXXX spoke to a XXXX that funds were released to XXXX XXXX, despite the investigation/dispute being complete. US bank XXXX XXXX. could not understand why they mailed a cashiers check to XXXX. 
Now my funds ( thousands of dollars ) have been sent to a third party on a fraudulent claim that was disputed over a month ago. 
I have spent over XXXX hours on the phone and filing necessary documents trying to resolve this issue and have my funds returned to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: FL

Complaint narrative:
My student loans have been paid through the XXXX  by the IRS department. My last payments, for the load in question, were paid in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I received a letter from the Department of Education and IRS stating that the paid was received and my loan has been completely satisfied. No additional actions or payments were needed. 
Also, the account is more than 20 years old, and a new company obtained it in XXXX. Therefore it should be remove because it is over a decade of trying to have it removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
Transunion is reporting these inquiries that i didn't make, the accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
Was notified by Capital one that my card was locked due to fraudulent activity back on XX/XX/XXXX but still had fraudulent purchases continue on XXXX I called capital one fraud department and they keep asking me for a XXXX  XXXX XXXX statement they I don't have and never had a XXXX  XXXX XXXX account now they tell me I am liable for the charges and can't unlock my card to see the charges please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I've learned that the creditor didn't provide the necessary XXXX notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these were not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

Trans Union, XXXX, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: NJ

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX - XXXX - Please delete this item immediately. 

XXXX XXXX XXXXXXXX - Please delete this item immediately. 

XXXX XXXX, Experian, and XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 data is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have tried to obtain my credit report, score, and security freeze from Clarity for over three months after I was denied credit due to information from Clarity. I have called Clarity numerous times, used their online request form, and faxed them my identification documents including social security card and drivers license. When I called in XXXX, I was told my picture and license number could be obscured for privacy. After spending money to fax them my documents on XX/XX/XXXX, I did not hear from Clarity for over a week, so was forced to call them again to check the status of my request. On this call, contrary to what the first representative had told me, they now claim license can not be obscured at all. They told me I would have to spend more time and money to fax or mail everything again. Clarity appears to be deliberately undermining my ability to access my own credit file by changing policy and increasing the burden of time, money and effort required to obtain my report. I have never encountered this many obstacles to obtaining my own credit report from any other credit reporting agency, including Clarity 's parent company XXXX. I request access to my credit report, score, security freeze, and online access to my account immediately without further burden of time, money, and effort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: MN

Complaint narrative:
I am writing to formally dispute the presence of some unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as it adversely affects my creditworthiness

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MN

Complaint narrative:
I am writing to formally dispute the presence of some unauthorized hard inquiries on my credit report, as indicated in the report recently provided by your agency. Upon careful review, I have identified these inquiries that were conducted without my explicit consent or knowledge. I am reaching out to seek your assistance in thoroughly investigating and expeditiously removing these inquiries from my credit report, as it adversely affects my creditworthiness

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: IL

Complaint narrative:
on XXXX XXXX XXXX we attempted to transfer money to a recipient, however the transaction did not go through because the funds went to the wrong number. we tried to cancel this transaction on the remitly app but to no success. then we contacted the company via phone and the rep refused to cancel the transaction.at this point we are out of XXXX and our recipient never received the transfer. 
we decided to consult our bank for a reversal the bank honored our request the reversal was made. remiltly s rude reps then contacted us regarding the reversal. they insisted that we return the XXXX back to them. when we refused remitly placed a lock on our account and we were unable to make any additional transfers. we contacted them numerous times from XXXX to XXXX and they are still refusing to un lock the account. 
finally we were told that if we drop the reversal and submit a cancelation letter that they would unlock our account.unfortunatley they did not honor their word after the XXXX was returned to them and the cancelation letter was forwarded. 
this is a dishonest company with very rude and insenitive employees.please think twice about using their money transfer service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
My name is XXXX XXXX. I have bank with, now Wells Fargo, initially with XXXX XXXX and then Wachovia in duration of over 24 years. I have never filed for a fraudulent claim till this past couple of weeks. I was robbed in XXXX XXXX, My phone and my cards got stolen. My cards, both credits and Debits cards, were used to make several unauthorized charges. There were unauthorized XXXX and wiring of money from my accounts. I filed a complaints with the bank to informed them of the theft, and the unauthorized use of funds from my account. My charges were separated into several claims, as each type of transaction is handled by different department. 
XXXX was wired from one of my accounts, total of XXXX XXXX from few different accounts, and XXXX from business account. These are all from Wells Fargo account. Claim numbers were given me... .after waiting for 10 days. I was denied the claim. I was told, that I made transactions myself or I authorized someone to use my accounts. These were completely untruthful. 
Another Banking company had same information as Wells Fargo. They concluded that Charges were in fact fraudulent. I feel I was not heard, brushed away, and my claims were not taken serious and rather denied. This is very unsettling.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: NY

Complaint narrative:
The late payment stated on my report is incorrect. No account can go from zero days late on XX/XX/XXXX to 90 days late on XX/XX/XXXX. This is mathematically impossible achieve. This is an error. Please mark the account paid as agreed never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to file a formal complaint regarding a recent request I made to JEFFCAPSYS, XX/XX/2023, That has been reported on my XXXX credit report need this collection remove collections from my credit report. Despite providing all necessary documentation and meeting the requirements outlined by the Fair Credit Reporting Act ( FCRA ), I have encountered significant challenges in getting this issue resolved. Here are the details of my complaint : 1. This is causing issues with my credit causing a negative impact unable to receive financial assistance when applying due to the negative information this company has reported on my credit I'm sure what this is regarding but i need this removed i have attempted to contact them advised them of my concerns that i am unaware of this information, This is hindering me from other opportunities to help me gain assistance. by lowering my credit score, receiving higher interest rates on credit cards, also in need of purchasing a car but the interest fees are high due this negative reporting I believe this is fraudulent I living paycheck to paycheck and have been trying to receive help far as loans but the high interest rates are to high. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that my rights as a consumer are upheld. I also seek assistance in resolving this issue promptly and obtaining the necessary corrections to my credit report. Thank you for your attention to this matter. I look forward to your prompt response and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
XXXX XXXX  is illegally reporting a chargeoff. they will not gi ve me a 1099 C and have NEVER validated the debt.

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